new rules for leaders of big banks: the f.d.i.c. now can take back two years of pay from execs responsible for a large bank's failure, or negligent in that failure. critics like university of colorado finance professor sanjai bhagat say the new rules only cover salary, not the majority of a c.e.o.'s financial package, like stock and stock options. >> if most, or a good proportion, of a c.e.o.'s compensation comes from their stock and stock options, then the clawback feature might not have as much teeth as we would like. >> tom: and while there's much anticipation over the white house debt ceiling talks, the administration says it's unlikely a final deal will be reached at tomorrow's meeting. an administration spokesperson said a deal to raise the debt ceiling will likely need more sessions. still ahead, from buying a car to buying a house. tonight's "money file" on why your credit score is key to getting a good deal. >> susie: japan is talking stress tests. it's considering stress tests for its nuclear facilities to ease the public'